How to compete for a home without cash
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As cash buyers continue to inundate recovering markets, it’s easy to feel like the underdog if your offer includes a pre-approval letter for a mortgage.
In some places — especially in the Midwest and Florida — more than half of sales in the first quarter of 2014 were closed with cash, according to a recent Zillow analysis.
Lynne Sladky / AP
In cash-rich markets such as Miami, would-be home buyers without a lot of money should consider these tips to seal a deal.
“Cash is always the deal-sealer and the best way to get deals,” said Joe Spake, a longtime real estate agent in Memphis, Tennessee, where nearly half of first-quarter sales were all-cash. “Just, not a whole lot of people have it, especially in the regular-people realm. The average working person is going to have to get a mortgage.”
Across the country, cash buyers are on the decline, but in some markets you’re still very likely to be pitted against one. We asked agents in the country’s most cash-rich markets for advice for buyers who want to stay competitive without cash.
The bottom line is the bottom line
Cash buyers come in looking for a deep discount, said Tony Baroni, an agent in Tampa, Florida, which trails only Miami in the percentage of homes purchased with cash.
“At the end of the day, all the seller cares about is how much money they’ll get,” Baroni said. “Some sellers don’t care if it’s cash or financed.”
Tucson, Arizona, agent Spirit Messingham has seen buyers get intimidated when they go up against all-cash offers.
“What I tell people … is that most sellers don’t care if I give them a bag of dirty old cash or if I give them a loan from a local lender,” he said.
Get a solid loan
If you can’t write a fat check, get pre-approved and know how much you can put down on a home before you start shopping, agents said. Spake believes it’s worth seeking out a local lender. The seller or listing agent might even recognize the lender’s name — or at least the bank’s name — and that could give you an edge.
Plus, Spake said: “I can go to that person’s office and stand on his desk if I have to.”
How much do you want it?
Cash buyers are often investors, so they’re looking for a great deal. If a competing buyer is shopping for a home, it’s sentimental. The home might be worth more to them than the asking price.
“When we go up against a cash buyer, you need to act decisively,” Messingham said. “How badly do you want it? Because it’s not just an investment. It’s not like we’re trying to buy Apple [stock] at a 52-week low. This is going to be your home.”
Lyn Miller, an agent in Miami, agreed: “Sometimes you’ve got to offer over the asking price to get them.”
Keep it simple
One major advantage of cash is simplicity. Relying on the loan process adds a level of complexity to the deal. To compensate for that, agents said it’s important to make your offer straightforward and simple.
Baroni recommends short inspection periods and lots of earnest money.
In Memphis, a popular market for investors, Spake tells his buyers not to ask for anything they don’t really need.
“The bottom line for me is to make the cleanest deal for the seller possible,” he said. “I want them to pick me, and I don’t want them to have a lot of hidden paragraphs” in the offer.
Baroni took a chance recently and delivered an offer with a photo of his buyer and a letter explaining the buyer’s story. The offer came in $5,000 lower than the highest offer on the table, but the seller picked his client anyway.
A human angle is something investors often can’t bring to the table, and it can sometimes seal the deal just as well as a briefcase full of George Washingtons.
More from Zillow:
Metros Where Cash Buyers Dominate the Market
10 Markets Where Borrowers Have the Edge
15 Cities Where Renting Rules
Emily Heffter, a reporter and writer for Zillow Blog, covers celebrity real estate, unusual properties and other real estate topics. Read more of her work here.
© 2006-2014 Zillow Inc., All Rights Reserved
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A foster carer ran an unlicensed cash loan ‘business’ handing over thousands of pounds to friends before demanding it back with interest, a court heard.
Sandra Lowe, 50, known as ‘Dawn’ is alleged to have made a ‘nice little profit’ running the cash loan and catalogue ‘businesses’ in south Manchester – but the 50-year-old says she acted out of charity.
The mum-of-two, of Hulme
, who works as a foster carer for Manchester City Council
, denies eight charges of unlawfully engaging in the activities of a consumer credit business without a licence and one charge of blackmail.
Businesswoman Maria Turner, who the court heard was ‘like a sister’ to Ms Lowe, told court that over a seven-year-period she borrowed ‘no more than £50,000’ from her friend to pay mortgage repayments, a tax demands and finance payments on an Audi.
The prosecution say that she ended up repaying £125,000 – and was told she still had £40,000 left to pay back in 2012, in the weeks before Ms Lowe was arrested.
Miss Turner, who runs sandwich shop ‘Mia’s’, at Burleigh Road, Stretford
, told the court she now felt an ‘idiot’ for not keeping track of how much she owed Ms Lowe and losing grip of her finances.
She said her financial problems ‘snowballed’ under the ‘enormous pressure’ of running a sandwich shop, a chip shop, an ironing business and nine by-to-let properties.
She said that when her home was repossessed in 2011 she stayed with Ms Lowe, who talked her out of ‘driving off Barton Bridge’.
But she claims that the day after, the defendant made her sign a document saying she still owed her £52,000, despite the fact she had been paying her hundreds pounds a week for several years.
Sobbing, she told court: “When I saw the £50,000 what I owed it kind of sent me to another place. I thought ‘I’ll never do it – I’ll be paying it until I’m seventy.”
It’s alleged that Lowe ‘demanded money with menaces’ between May and July 2012.
Summarising the alleged demands, Miss Turner said: “She said, you better get the money in else I’ll tell your son, I’ll come to the shop and take it out of the till.”
“I was waking up to it and going to bed with it – I was mithered to death”, she said of demands for repayment. Describing the effect of receiving a text from Ms Lowe which read ‘I dont care where it comes from but that £500 needs to go into my account.’
She said: “It was awful, terrible, disgusting. It makes your body shake… you can’t focus, your mind’s in a spin. You want to rob a bank to pay it.”
The prosecution also allege that Ms Lowe ran an unlicensed catalogue business, supplying pals with goods she had ordered from firms such as Kays and Argos at a profit.
Following her arrest, Ms Lowe insisted that she did work for Kays, although the prosecution says the firm has no record of her.
Opening the case, Ben Mills, prosecuting, told the jury: “She says this was all charity work – me loaning money for nothing, me administering all these loans for nothing, Was it out of the goodness of her heart? That’s what you will have to consider in her case.”
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Verizon Communications Inc. (VZ) is reportedly seeking loan to finance its mega buy of 45% stake in Verizon Wireless, which currently remains unacquired from Vodafone Group PLC (VOD). The loan amount will consist of $14 billion divided into a $2 billon, 364-day revolving credit facility and $12 billion for three and five-year term loans.
Further, the $2 billon revolving facility will be priced at 10bp on undrawn amounts, while the drawing price would remain LIB+125. In addition, the total $12 billion term loan will be divided equally into $6 billion priced at LIB+137.5 for the three-year term loan and LIB+150 for the five-year term loan.
These loan facilities are part of Verizon’s financing package for its $130 billion worth acquisition plan. The company is also looking forward to a $49 billion bridge loan priced at LIB +150 that would be further refinanced with the company’s issues in the bond market.
According to news reports, Verizon is also coming up with plans like issuing bonds and may raise upto $50 billion, representing the largest corporate bond sale ever for the company. Verizon is expected to offer this loan in several tranches with maturity ranging from five years to as many as 100 years.
In addition, the issues are expected to be in several currencies predominantly in U.S. dollar, which can be up to $20 billion, which is even higher than the $17 billion debt raised by Apple Inc. (AAPL) in April this year that represented one of the biggest debt sale in the U.S. corporate history.
Although these debts can enable the company to undertake its mammoth acquisition plan smoothly, we believe the additional financial burden will remain deterrent to investors’ interest. As of Jun 30, the company already has long-term debt (including current portion) of $49.8 billion, representing a debt-to-capitalization ratio of 36.3%.
Further, the company’s balance sheet position reflects cash and cash equivalents of only $5.5 billion, which makes its imperative for it to rely on debt funds to carry out the transaction. In such an event, we believe this would directly reflect on investor returns, resulting in lower dividend payout from the current dividend.
Verizon, which operates with other telecom players like AT&T, Inc. (T) currently has a Zacks Rank #3 (Hold).
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Cash is a great fallback, but a thoughtful graduation gift can pay dividends
• Published June 02, 2013
Modified June 01, 2013
In the past seven years, student loan debt for borrowers younger than 30 has catapulted, hitting $322 billion in December 2012, a 124 percent increase from 2005, according to a recent Federal Reserve Bank of New York study.
To get graduates off on a financially balanced footing, here are some money-savvy gift ideas.
CASH ALTERNATIVE: “Obviously, cash is king,” said personal finance blogger Joseph Audette, a personal finance writer/blogger for NerdWallet. But students, especially high school graduates juggling their own finances for the first time, can quickly blow through a lot of cash, he notes. Instead? “Get a gift card from the university’s student bookstore. It’s a little more thought than writing a check and lets them use the funds for things they’ll really need in school.”
OLD SCHOOL: In their young lifetimes, many graduates today have likely never seen one: a paper U.S. savings bond. They became extinct on Jan. 1, 2012, and can be purchased only in digital form. (The only exception: Paper savings bonds can be purchased using your IRS tax refund.) To give a student a Series EE or I electronic savings bond — in amounts starting at $25 — go to the U.S. Treasury website, TreasuryDirect.gov. It also offers free graduation gift cards that you can personalize and print out to include with your gift.
LONG-TERM GIFTING: To introduce a young graduate to the benefits of long-term investing, try a mutual fund, said Lon Burford, a partner with wealth management firm Genovese Burford & Brothers in Sacramento. A fund such as the Vanguard S&P 500, he said, is “a great teaching opportunity financially as graduates begin getting closer to when they’ll stand on their own two feet.
“With one gift, you’re helping them own Apple, Microsoft and Google — companies they’re interested in,” said Burford, as well as stock stalwarts such as Chevron and Procter & Gamble.
GIVE A SHARE: If you prefer, individual shares of stock — say, in a student’s favorite company — also can be a gift that keeps on growing. Obviously, a $450 share of Apple is beyond most budgets, but plenty of other companies are affordable.
Low-cost online stock-buying sites, such as Capital One’s ShareBuilder, let a graduate get started. Its “Gift of Stock” promotion — with a $50 bonus for new accounts — is tied to graduates.
There also are personalized stocks from sites such as OneShare.com in San Francisco, where you can buy a single share of a favorite stock, such as Nike or Disney. They can be framed with customized inscription.
JOB-HUNTING HELP: For graduates heading into the work world, consider these: A new jacket or updated skirt/shirt for interviews. A résumé- or blog-writing class. A laptop, if one is needed. A membership in a college alumni organization, which can help with job connections.
IT’S THE THOUGHT: Regardless of how much you spend, try to make it personal to what the graduate truly wants or needs, said Pam Krueger, executive producer of “MoneyTrack,” the PBS financial series.
Lastly, the best gift may be the simplest: a personal, inspiring message.
“Graduation is such a milestone moment,” said Krueger. “I still have a card from my dad that had five little words that I’ve carried with me ever since: ‘I have faith in you.’”
Claudia Buck writes for The Sacramento Bee.
Let’s face it. When it comes to graduation gifts, most students would probably prefer cold, hard cash. Or maybe a plane ticket for a European backpacking trip or a Mexican beach vacation.
But as student loan debt has leapt higher than a souped-up SAT score, it may be wise to think twice about what makes a good graduation gift. To get graduates off on a financially balanced footing, here are some money-savvy gift ideas.
“Obviously, cash is king,” said personal-finance blogger Joseph Audette for NerdWallet.
But students can quickly blow through a lot of cash, he notes. Instead?
“Get a gift card from the university’s student bookstore. It’s a little more thought than writing a check and lets them use the funds for things they’ll really need.”
Give a book
Too often, friends and family feel pressure to spend lavishly on a graduation gift, said Audette, who says $25 to $50 or even a money-minded book can be more than adequate. For the latter, he recommends:
• “The Millionaire Next Door”: “An easy read that puts young people in the right mindset” for managing their spending and savings.
• “A Random Walk Down Wall Street”: “A classic (that) provides great background for young graduates interested in investing.”
To give a student an EE or I electronic savings bond — in amounts starting at $25 — go to the U.S. Treasury website, TreasuryDirect.gov. It also offers free graduation-gift cards that you can personalize and print out to include with your gift.
To introduce a young graduate to the benefits of long-term investing, try a mutual fund, said Lon Burford, a partner with wealth management firm Genovese Burford & Brothers in Sacramento, Calif. A fund like the Vanguard S&P 500, he said, is “a great teaching opportunity financially as graduates begin getting closer to when they’ll stand on their own two feet.”
Give a share
If you prefer, individual shares of stock — say, in a student’s favorite company — also can be a gift that keeps on growing. Obviously, a $450 share of Apple is beyond most budgets, but plenty of other companies are affordable.
Low-cost online stock-buying sites, like Capital One’s ShareBuilder, let a graduate get started. Its “Gift of Stock” promotion — with a $50 bonus for new accounts — is tied to graduates.
There also are personalized stocks from sites like OneShare.com, where you can buy a single share of a favorite stock, such as Nike or Disney. They can be framed with customized inscription.
For graduates heading into the work world, consider these: A new jacket or updated skirt/shirt for interviews. A resume- or blog-writing class. A laptop, if one is [...]